Lincoln MKZ Insurance Rates
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UPDATED: Jun 5, 2023
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Average auto insurance rates for a Lincoln MKZ are $1,432 annually for full coverage. Comprehensive insurance costs an estimated $248, collision costs $484, and liability insurance is $520. A liability-only policy costs around $576 a year, with high-risk insurance costing $3,120 or more. 16-year-old drivers receive the highest rates at $5,572 a year or more.
Average premium for full coverage: $1,432
Rate estimates broken down by individual coverage type:
Prices are based on $500 deductibles, 30/60 bodily injury liability limits, and includes both medical and UM/UIM coverage. Rates are averaged for all states and for different MKZ trim levels.
Price Range by Coverage and Risk
Using a middle-aged driver as an example, prices range go from as cheap as $576 for basic liability insurance to a much higher rate of $3,120 for a driver who requires high-risk insurance.
Price Range by Location
Choosing to live in a large city has a significant impact on insurance rates. More rural locations tend to have fewer accident claims than congested cities.
The price range example below illustrates how where you live affects insurance prices.
These examples show why anyone shopping for car insurance should compare rates quotes for a targeted area and their own personal driving habits, rather than relying on rate averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Rate Comparisons
The chart below shows estimated Lincoln MKZ insurance rates for other coverage scenarios.
- The best full coverage rate is $829
- Raising to $1,000 deductibles will save approximately $164 a year
- The estimated rate for a 40-year-old driver who has $500 deductibles is $1,432
- Buying more expensive low deductibles costs an additional $326 a year
- Higher-risk drivers with multiple tickets or accidents could pay up to $3,120 or more
- The cost with full coverage for a teen driver with full coverage can cost as much as $5,572
Insurance rates for a Lincoln MKZ can also vary considerably based on the trim level of your MKZ, your driver profile, and liability limits and deductibles.
An older driver with a clean driving record and high physical damage deductibles could pay as little as $1,300 every 12 months on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they can expect to pay at least $5,500 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you could be paying $1,700 to $2,400 extra per year, depending on your age. High-risk driver insurance is expensive and can cost anywhere from 43% to 132% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles can reduce rates by up to $490 each year, while increasing your policy's liability limits will increase premiums. Going from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $468 more per year. View Rates by Deductible or Liability Limit
Where you live also has a big influence on Lincoln MKZ insurance rates. A middle-age driver might find rates as low as $950 a year in states like Iowa, Maine, and Idaho, or at least $2,040 on average in New York, Louisiana, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,294 | -$138 | -9.6% |
| Alaska | $1,098 | -$334 | -23.3% |
| Arizona | $1,190 | -$242 | -16.9% |
| Arkansas | $1,432 | -$0 | 0.0% |
| California | $1,632 | $200 | 14.0% |
| Colorado | $1,366 | -$66 | -4.6% |
| Connecticut | $1,472 | $40 | 2.8% |
| Delaware | $1,622 | $190 | 13.3% |
| Florida | $1,794 | $362 | 25.3% |
| Georgia | $1,324 | -$108 | -7.5% |
| Hawaii | $1,028 | -$404 | -28.2% |
| Idaho | $970 | -$462 | -32.3% |
| Illinois | $1,068 | -$364 | -25.4% |
| Indiana | $1,082 | -$350 | -24.4% |
| Iowa | $968 | -$464 | -32.4% |
| Kansas | $1,360 | -$72 | -5.0% |
| Kentucky | $1,954 | $522 | 36.5% |
| Louisiana | $2,122 | $690 | 48.2% |
| Maine | $884 | -$548 | -38.3% |
| Maryland | $1,182 | -$250 | -17.5% |
| Massachusetts | $1,144 | -$288 | -20.1% |
| Michigan | $2,486 | $1,054 | 73.6% |
| Minnesota | $1,200 | -$232 | -16.2% |
| Mississippi | $1,716 | $284 | 19.8% |
| Missouri | $1,270 | -$162 | -11.3% |
| Montana | $1,538 | $106 | 7.4% |
| Nebraska | $1,130 | -$302 | -21.1% |
| Nevada | $1,720 | $288 | 20.1% |
| New Hampshire | $1,034 | -$398 | -27.8% |
| New Jersey | $1,602 | $170 | 11.9% |
| New Mexico | $1,268 | -$164 | -11.5% |
| New York | $1,510 | $78 | 5.4% |
| North Carolina | $826 | -$606 | -42.3% |
| North Dakota | $1,174 | -$258 | -18.0% |
| Ohio | $988 | -$444 | -31.0% |
| Oklahoma | $1,472 | $40 | 2.8% |
| Oregon | $1,312 | -$120 | -8.4% |
| Pennsylvania | $1,366 | -$66 | -4.6% |
| Rhode Island | $1,912 | $480 | 33.5% |
| South Carolina | $1,298 | -$134 | -9.4% |
| South Dakota | $1,208 | -$224 | -15.6% |
| Tennessee | $1,252 | -$180 | -12.6% |
| Texas | $1,726 | $294 | 20.5% |
| Utah | $1,058 | -$374 | -26.1% |
| Vermont | $982 | -$450 | -31.4% |
| Virginia | $858 | -$574 | -40.1% |
| Washington | $1,106 | -$326 | -22.8% |
| West Virginia | $1,312 | -$120 | -8.4% |
| Wisconsin | $992 | -$440 | -30.7% |
| Wyoming | $1,276 | -$156 | -10.9% |
With so much variability in rates, the only way to know which company is cheapest is to compare rates from as many companies as possible. Every auto insurance company utilizes a different rate formula, so the rates can be significantly different between companies.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Lincoln MKZ 4-Dr Sedan | $1,404 | $117 |
| Lincoln MKZ AWD 4-Dr Sedan | $1,432 | $119 |
Rates assume 2016 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2020 Lincoln MKZ | $298 | $640 | $486 | $1,604 |
| 2019 Lincoln MKZ | $282 | $618 | $500 | $1,580 |
| 2018 Lincoln MKZ | $270 | $574 | $510 | $1,534 |
| 2017 Lincoln MKZ | $260 | $540 | $514 | $1,494 |
| 2016 Lincoln MKZ | $248 | $484 | $520 | $1,432 |
| 2015 Lincoln MKZ | $232 | $446 | $520 | $1,378 |
| 2014 Lincoln MKZ | $224 | $418 | $524 | $1,346 |
| 2013 Lincoln MKZ | $220 | $390 | $534 | $1,324 |
| 2012 Lincoln MKZ | $202 | $362 | $534 | $1,278 |
| 2011 Lincoln MKZ | $198 | $328 | $540 | $1,246 |
| 2010 Lincoln MKZ | $184 | $300 | $534 | $1,198 |
| 2009 Lincoln MKZ | $174 | $272 | $534 | $1,160 |
| 2008 Lincoln MKZ | $168 | $246 | $530 | $1,124 |
| 2007 Lincoln MKZ | $166 | $240 | $520 | $1,106 |
Rates are averaged for all Lincoln MKZ models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Buy Affordable Lincoln MKZ Insurance
Saving money on Lincoln MKZ insurance consists of not taking risks behind the wheel, having a good credit history, eliminating unneeded coverage, and taking advantage of discounts. Take the time to comparison shop at every other renewal by getting quotes from direct carriers like Progressive and GEICO, and also from local exclusive and independent agents.
The following is a brief review of the concepts that were touched on in the above illustrations.
- High-risk drivers with DUI or reckless driving convictions may pay on average $1,690 more annually for MKZ insurance
- Teens are charged the highest rates, costing as high as $464 per month including comprehensive and collision insurance
- Drivers can save approximately $170 per year simply by shopping early and online
- Increasing deductibles could save up to $500 each year
- Drivers can save approximately $170 per year simply by shopping early and online
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,572 |
| 20 | $3,332 |
| 30 | $1,478 |
| 40 | $1,432 |
| 50 | $1,314 |
| 60 | $1,288 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,758 |
| $250 | $1,606 |
| $500 | $1,432 |
| $1,000 | $1,268 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,432 |
| 50/100 | $1,536 |
| 100/300 | $1,666 |
| 250/500 | $2,004 |
| 100 CSL | $1,588 |
| 300 CSL | $1,874 |
| 500 CSL | $2,082 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,926 |
| 20 | $5,316 |
| 30 | $3,172 |
| 40 | $3,120 |
| 50 | $2,984 |
| 60 | $2,958 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $75 |
| Multi-vehicle | $78 |
| Homeowner | $23 |
| 5-yr Accident Free | $102 |
| 5-yr Claim Free | $93 |
| Paid in Full/EFT | $62 |
| Advance Quote | $70 |
| Online Quote | $100 |
| Total Discounts | $603 |
Discounts are estimated and may not be available from every company or in every state.
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